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California BanCorp CALB
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Quarterly report 2024-Q1
added 05-16-2026

California BanCorp Financial Ratios 2023-2011 | CALB

Brief overview of California BanCorp's market valuation

The review covers five available annual periods spanning 2019 to 2023.

The latest available valuation ratios are P/E 8.52x (median 13.53x), P/B 0.94x (median 0.96x), P/CF 6.54x (median 7.45x). Multiples are on average 12.2% below their own medians. Shares look cheaper than their recent historical valuation.

Earnings yield calculated as 1/P/E is about 11.7%, showing current profit per unit of share price.

Returns on assets and capital are represented by ROE 11%, ROA 1.1%, ROCE 0.8%. Fundamental efficiency is balanced: profitability supports valuation but does not remove the need for future growth.

Current PEG is 0.42x; the market pays comparatively little per unit of expected growth.

Banks and insurers require sector-specific reading: the value and return on capital matter more than standard industrial multiples.

Valuation takeaway

California BanCorp combines solid capital returns with a discount to its own history. The main question is whether earnings and growth are sustainable.

Annual Financial Ratios California BanCorp

2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

P/E

8.5 7.8 13.5 61.5 287.8 15.5 26.4 - - - - - -

P/S

- - - 2.2 3.4 3.6 4.5 - - - - - -

EPS

2.6 2.5 1.6 0.2 0.1 - - - - - - - -

EV (Enterprise Value)

1.76 B 1.8 B 1.57 B 1.46 B 1.07 B 1.02 B 930 M 688 M - - - - -

EBITDA per Share

- - - - 1.31 - - - - - - - -

EV/EBITDA

- - - - 101.7 - - - - - - - -

PEG

- - - -0.67 -0.81 0.42 2.8 - - - - - -

P/B

0.9 1.0 1.2 0.8 1.3 1.1 1.8 - - - - - -

P/CF

6.5 5.7 11.2 7.4 13.4 13.8 18.0 - - - - - -

ROE %

11.01 12.25 8.87 1.31 0.44 7.20 6.64 - - - - - -

ROA %

1.09 1.03 0.66 0.09 0.05 0.87 0.65 - - - - - -

ROCE %

- - - - 0.84 - - - - - - - -

Current Ratio

1.1 1.1 1.1 1.1 1.1 - - - - - - - -

DSO

- - - 295.7 214.8 143.2 137.1 - - - - - -

Operating Cycle

- - - 295.7 214.8 - - - - - - - -

Cash Conversion Cycle

- - - 295.7 214.8 - - - - - - - -

All numbers in USD currency

Quarterly Financial Ratios California BanCorp

2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

0.45 - 0.64 0.65 0.65 - 0.66 0.51 0.44 0.39 0.39 0.51 0.34 0.22 0.06 0.19 0.06 0.07 0.25 0.32 0.23 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROE %

10.75 8.85 12.21 12.04 11.47 8.42 10.53 9.34 9.57 9.21 8.41 6.59 4.85 3.20 2.33 3.50 4.30 5.37 1.54 1.96 1.43 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROA %

1.01 0.81 1.08 1.03 0.96 0.69 0.85 0.74 0.74 0.68 0.62 0.49 0.34 0.24 0.20 0.34 0.48 0.61 0.17 0.22 0.16 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

All numbers in USD currency

Multiples are an important financial analysis tool for the company California BanCorp, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

Financial Ratios of other stocks in the Banks regional industry

Issuer Price % 24h Market Cap Country
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Equity Bancshares Equity Bancshares
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Esquire Financial Holdings Esquire Financial Holdings
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First Business Financial Services First Business Financial Services
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FB Financial Corporation FB Financial Corporation
FBK
$ 51.7 0.44 % $ 2.57 B usaUSA
First Bancorp First Bancorp
FBNC
$ 61.11 0.29 % $ 2.52 B usaUSA
First BanCorp. First BanCorp.
FBP
$ 26.34 0.09 % $ 4.21 B puerto-ricoPuerto-rico
First Capital First Capital
FCAP
$ 61.57 0.26 % $ 206 M usaUSA
First Community Bankshares First Community Bankshares
FCBC
$ 46.99 0.21 % $ 861 M usaUSA
First Community Corporation First Community Corporation
FCCO
$ 32.17 0.15 % $ 247 M usaUSA
First Commonwealth Financial Corporation First Commonwealth Financial Corporation
FCF
$ 20.23 0.34 % $ 2.09 B usaUSA
First Citizens BancShares First Citizens BancShares
FCNCA
$ 2 060.2 0.1 % $ 26.8 B usaUSA
Fidelity D & D Bancorp Fidelity D & D Bancorp
FDBC
$ 54.31 0.42 % $ 313 M usaUSA
First Financial Bancorp. First Financial Bancorp.
FFBC
$ 31.32 0.17 % $ 2.98 B usaUSA
First Financial Bankshares First Financial Bankshares
FFIN
$ 31.74 0.03 % $ 4.54 B usaUSA
First Guaranty Bancshares First Guaranty Bancshares
FGBI
$ 8.09 0.06 % $ 113 M usaUSA
First Hawaiian First Hawaiian
FHB
$ 24.62 0.2 % $ 3.07 B usaUSA
First Horizon Corporation First Horizon Corporation
FHN
$ 23.02 0.13 % $ 11.6 B usaUSA
First Interstate BancSystem First Interstate BancSystem
FIBK
$ 35.74 0.5 % $ 3.67 B usaUSA
Financial Institutions Financial Institutions
FISI
$ 38.98 0.05 % $ 783 M usaUSA
Farmers & Merchants Bancorp Farmers & Merchants Bancorp
FMAO
$ 34.62 0.37 % $ 476 M usaUSA
First Mid Bancshares First Mid Bancshares
FMBH
$ 48.74 0.25 % $ 1.16 B usaUSA
Farmers National Banc Corp. Farmers National Banc Corp.
FMNB
$ 15.03 0.33 % $ 563 M usaUSA
F.N.B. Corporation F.N.B. Corporation
FNB
$ 17.21 0.29 % $ 6.21 B usaUSA
The First Bancorp The First Bancorp
FNLC
$ 33.34 0.04 % $ 370 M usaUSA
First Northwest Bancorp First Northwest Bancorp
FNWB
$ 10.01 0.2 % $ 88 M usaUSA
Franklin Financial Services Corporation Franklin Financial Services Corporation
FRAF
$ 61.82 0.3 % $ 276 M usaUSA
First Bank First Bank
FRBA
$ 17.24 0.74 % $ 343 M usaUSA
First Merchants Corporation First Merchants Corporation
FRME
$ 39.78 0.14 % $ 2.29 B usaUSA
FS Bancorp FS Bancorp
FSBW
$ 43.29 0.05 % $ 326 M usaUSA
Fulton Financial Corporation Fulton Financial Corporation
FULT
$ 22.56 0.2 % $ 4.1 B usaUSA
First United Corporation First United Corporation
FUNC
$ 42.77 0.16 % $ 278 M usaUSA
First US Bancshares First US Bancshares
FUSB
$ 16.49 0.61 % $ 96 M usaUSA
FVCBankcorp FVCBankcorp
FVCB
$ 17.43 0.74 % $ 316 M usaUSA
First National Corporation First National Corporation
FXNC
$ 29.38 0.5 % $ 264 M usaUSA
German American Bancorp German American Bancorp
GABC
$ 48.36 0.63 % $ 1.78 B usaUSA
Glacier Bancorp Glacier Bancorp
GBCI
$ 43.2 0.14 % $ 5.17 B usaUSA
Greene County Bancorp Greene County Bancorp
GCBC
$ 33.5 0.3 % $ 570 M usaUSA
Grupo Financiero Galicia S.A. Grupo Financiero Galicia S.A.
GGAL
$ 37.24 0.59 % $ 55.2 B argentinaArgentina
Great Southern Bancorp Great Southern Bancorp
GSBC
$ 77.21 0.23 % $ 880 M usaUSA
Hanmi Financial Corporation Hanmi Financial Corporation
HAFC
$ 30.9 0.34 % $ 922 M usaUSA
Huntington Bancshares Incorporated Huntington Bancshares Incorporated
HBAN
$ 15.26 0.46 % $ 22.6 B usaUSA
Home Bancorp Home Bancorp
HBCP
$ 66.06 0.02 % $ 513 M usaUSA
Horizon Bancorp Horizon Bancorp
HBNC
$ 18.83 0.13 % $ 875 M usaUSA
HBT Financial HBT Financial
HBT
$ 35.37 0.17 % $ 1.11 B usaUSA
Home Federal Bancorp of Louisiana Home Federal Bancorp of Louisiana
HFBL
$ 24.77 0.81 % $ 74.6 M usaUSA
Heritage Financial Corporation Heritage Financial Corporation
HFWA
$ 27.63 0.5 % $ 939 M usaUSA
Hingham Institution for Savings Hingham Institution for Savings
HIFS
$ 282.59 0.07 % $ 603 M usaUSA